36th week of 2014 patent applcation highlights part 45 |
Patent application number | Title | Published |
20140249922 | Method and System for Sending Marketing Messages to Mobile-Device Users from a Mobile-Commerce Platform - Methods and systems for sending marketing messages to mobile-device users from a mobile-commerce platform are described. In various illustrative embodiments, a marketing message is transmitted to a mobile-device user before, during, or after a transaction between the mobile-device user's mobile device and the mobile-commerce platform. The marketing message can be generated and timed based on rules input to the mobile-commerce platform by a merchant and can be based on historical transaction data associated with the mobile-device user, transaction parameters associated with a current or a most-recently-completed transaction involving the mobile-device user, a transaction type of a current or a most-recently-completed transaction involving the mobile-device user, or a combination thereof, depending on the particular embodiment, | 2014-09-04 |
20140249923 | CLASSIFYING LOCATIONS FOR AD PRESENTATION - This specification describes technologies relating to content presentation. In general, one aspect of the subject matter described in this specification can be embodied in methods that include the actions of receiving data from a plurality of users within a geographic region associated with a location; analyzing the received data to derive a category for the location; annotating the location with the category; and using the category to boost candidate content items for delivery to users in the location in response to future content item requests. | 2014-09-04 |
20140249924 | METHOD AND SYSTEM FOR GENERATING INTELLIGENT ELECTRONIC BANNERS BASED ON USER INFORMATION - A method and system for generating electronic advertisements, such as banner ads, based on user profile information, location information and proximity preferences are disclosed. An online promotion service may receive profile information, location information and other information from a user. The user may also define a proximity preference which may include a range of distance the user is willing to travel to redeem one or more promotions. A service or product provider or other authorized entity may define a proximity preference which may include a target range of advertisement exposure. The online promotion service may present advertisements for incentives and other promotions based on user profile information as well as proximity preference information where the proximity preference is defined by the user, the provider, or both. | 2014-09-04 |
20140249925 | Providing Advertisements in Response to Navigation on an Electronic Device - Certain embodiments involve providing advertisements in response to navigation on an electronic device. On a mobile or other electronic device navigation may be controlled by moving a focus indicator amongst a group of displayed items. Certain embodiments provide an advertisement break between navigation items. When a user crosses the advertisement break by navigating the focus indicator from an item on one side of the advertisement break to an item on the other side, an advertisement is presented to the user. | 2014-09-04 |
20140249926 | Providing Advertisements in Response to Idle Time During Navigation on an Electronic Device - Certain embodiments involve providing advertisements during navigation on an electronic device. For example, when the device is left idle for a period of time because the user of the device has not given a navigation command, the mobile device may present an advertisement. The advertisement may be displayed, for example, until the user returns and gives an additional navigation or other command, ending the idle period. | 2014-09-04 |
20140249927 | SYSTEM AND METHOD FOR CYCLIC RECOGNITION-PRIMED NOTIFICATIONS AND RESPONSIVE SITUATIONAL AWARENESS IN AN ADVERTISING DISPLAY NETWORK - A system and method for enabling and improving user engagement through responsive iterative and cyclic interaction using mobile devices, for the creation of, response to, or alteration of, notifications on public display screens. The invention includes computer hardware and software for implementing, by delivering notification content, notification type, and means of notification, an iterative or cyclic response by users responsive to sensed or observed real world events and computer system events. The inventions also includes systems for synthesizing user interaction originating on groups of mobile devices in order to, through responsive cyclic iterative interaction, create, respond to, or alter, at least two separate and separately sourced simultaneously occurring notifications on a public display screen or screens. The invention further relates to a system and method on computer hardware and software system display or notification means for enabling and improving user situational awareness, cognition, and response, by recognizing and delivering, for a response option, cyclic, iterative responses through to notifications on a display. | 2014-09-04 |
20140249928 | SHELF TO CONSUMER PLATFORM - The present disclosure provides a system, apparatus and means for addressing the limitations of existing technology and practices with respect to in-store advertising. The present disclosure enables marketers to direct commercial messages to consumers whilst enabling consumers to control or influence if and when messages are received, as well as the content of the messages. The disclosure can provide this functionality is through the use of broadcast beacons and demand beacons. The disclosure also provides a means for interacting with applications located on PEDs, including from a sleeping or non-active state and ensuring that the messages transmitted are secure. The disclosure also provides a means for marketers to design, track and alter in real-time a marketing strategy, including on a store-by-store basis. | 2014-09-04 |
20140249929 | ADVERTISEMENT MATCHING PLATFORM - A computerized customer managed offer matching system configured to match advertising and criterion queries in a computer network. In one embodiment, the matching system receives a request to display advertisement(s) on a mobile device. The request can specify a desired condition of display of an advertisement, a desired condition including one or more of match terms, geographic origins of the match terms, time of searches for the match term, and/or placement of advertisements. | 2014-09-04 |
20140249930 | INTEGRATED POS COMPUTER SYSTEM - A POS CS includes an additional logical control logging of transaction data, transmission of the transaction data to a central CS, identification of CIDs in transactions qualifying for marketing information, and instruction of printers for printing the marketing information for a CID during a transaction involving the CID at a terminal in the POS CS. | 2014-09-04 |
20140249931 | Apparatus and Method for Managing Marketing - A method that incorporates teachings of the present disclosure may include, for example, the steps of transmitting media content to a group of set top boxes for presentation with an overlay superimposed onto the media content, receiving a first comment from a first set top box of the group of set top boxes where the first comment is presentable with the overlay and the media content by the group of set top boxes, determining a first advertisement based on the first comment, and transmitting the first advertisement to the first set top box for presentation with the overlay and the media content. Other embodiments are disclosed. | 2014-09-04 |
20140249932 | SHIPPING LABEL ADVERTISING SYSTEM AND METHOD - A web portal residing on a computer server coupled to a worldwide computer network is configured to receive advertising campaign specifications from an advertiser, including merchandise offerings and customer demographics, identify at least one retailer having characteristics that match the advertising campaign specifications, receive a selection of at least one retailer from the advertiser, receive an advertising image file from the advertiser, receive printer specifications specifying printer and shipping label characteristics from the selected at least one retailer. The web portal is further configured to transmit the advertising image file to a printing vendor to pre-print the advertising image onto a plurality of blank shipping labels that satisfy the printer specifications, the plurality of pre-printed shipping labels to be supplied to the retailer for printing shipping information and application to shipping containers containing outgoing merchandise. | 2014-09-04 |
20140249933 | METHOD AND SYSTEM FOR DETERMINING A POSITION OF INFORMATION BASED ON AN INTENTION OF A PARTY CONCERNED - A method and system for providing a media or data content and information related to the content to a client are provided. The method includes transmitting the content to the client, determining the position of the information based on the intention of the client, transmitting the determined position of the information to the client, and displaying and providing the content and the information having the determined position for the client. The system includes a content server providing the content to the client, an account management server managing an account of the client and generating a bid value submitted by the client for providing the information to the client, and a service management server receiving the bid value from the account management server, positioning the information according to the bid value, and providing the information to the client. | 2014-09-04 |
20140249934 | COMMON POINT OF PURCHASE (CPP) DETECTION - Transaction data is processed by first determining transactions in a database that are associated with a respective event that indicates a classification of interest and that share at least one common point of purchase (CPP) identifier across two or more of the determined transactions associated with the classification of interest. A set of the transactions in the database are determined, based on the CPP identifiers for transactions from as time period prior to a start time of the event and accounts associated with the event. Times of occurrence for the transactions in the set are determined, based on the CPP, and a score is generated for the received transaction for any transactions associated with at least one of the respective events and sharing at least one common CPP. | 2014-09-04 |
20140249935 | SYSTEMS AND METHODS FOR FORWARDING USERS TO MERCHANT WEBSITES - An advertising system is disclosed for connecting consumers with merchant websites and interfaces that are associated with products displayed in an image. For each product in an image, a selectable region may be defined using a set of coordinates that identify the displayed product. In response to receiving an input from a user in the selectable region of the image that is associated with the product, the user may be forwarded to a web page associated with the product. The web page associated with the product may permit the user to purchase the product or disclose details relating to the product. | 2014-09-04 |
20140249936 | METHOD AND APPARATUS FOR PROCESSING CONTENT OFFERS IN A DIGITAL LOCKER SYSTEM - A method and a digital locker system for providing digital locker services are described. Content offers come from external sources and locally hosted sources. Content offers from external sources are received and processed in a content offer processor along with catalog information. Content offers from locally hosted sources are retrieved and catalog information is generated accordingly. Both types of content offers are aggregated and prepared for storage in a content offer cache, which are then used for providing services, such as content query, to users. Content acquisition and playback requests from users are handled according to the provider of the requested content. | 2014-09-04 |
20140249937 | Information Management And Real Time Synchronous Communications Hospitality Software Application Based System With A Synchronized Ecosystem Of Multiple Types Of Computing Devices With Varying Non PC-Standard Display Sizes Operating In Equilibrium Via The Internet And With A Master Database Stored In A Central Location - An information management and synchronous communications system and method facilitates database equilibrium and synchronization with wired, wireless and Web-based systems, user-friendly and efficient generation of computerized menus and reservations with handwritten/voice modifications for restaurants and other applications that utilize equipment with nonstandard graphical formats, display sizes and/or applications for use in remote data entry, information management and communication with host computer, digital input device or remote pager via standard hardwired connection, the interne, a wireless link, printer or the like. Various operations employing automated telephone calls and/or messaging may, for instance, be performed. For example, desired reservation and/or appointment information may be automatically converted and conveyed to one or more entities via automated telephone call and/or messaging. As another example, information regarding reservation acceptability may be received and automatically converted via automated telephone call and/or messaging. Telephones may, for instance, be the only equipment required by the entities. | 2014-09-04 |
20140249938 | CUSTOMER INTERFACE RESTAURANT SYSTEM - Systems and methods for ordering systems and, more specifically, to a proximity based ordering system are disclosed herein. A computer-implemented method, according to some implementations of the present disclosure, includes receiving, in a computer system, a selection of an order by a user of a user device, the order including a selection of a restaurant and at least one item to purchase from the restaurant, determining, by the computer system, if the user is within a geofence defined in regard to the restaurant, upon determining that the user is not within the geofence, holding, by the computer system, the order from being prepared at the restaurant, and upon determining that the user is within the geofence, releasing, by the computer system, the order to be prepared at the restaurant. | 2014-09-04 |
20140249939 | TECHNIQUES FOR MOBILE TRANSACTION PROCESSING - Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During checkout, the portal contacts a transaction service and is delivered back an identifying barcode or Quick Response (QR) code. The consumer uses a mobile device to scan the code and send it to the transaction service. Previously registered payment details of the consumer are located and payment is received from the consumer. The portal is notified that payment is completed by the transaction service. | 2014-09-04 |
20140249940 | ELECTRONIC AUTHORIZATION SYSTEM AND METHOD - An electronic authorization system comprising a data source system configured to transmit transaction data. A secure data system is coupled to the data source system over an open network, the secure data system is configured to receive the transaction data from the data source system, generate a unique encrypted identifier for the transaction data and to transmit the unique encrypted identifier to the data source system. The data source system is configured to receive the unique encrypted identifier and replace payment card data associated with the transaction data in a database with the unique encrypted identifier. | 2014-09-04 |
20140249941 | MOBILE SCANNER GUN SYSTEM WITH MOBILE TABLET HAVING A MOBILE POS AND ENTERPRISE RESOURCE PLANNING APPLICATION FOR POS CUSTOMER ORDER FULFILLMENT AND IN STORE INVENTORY MANAGEMENT FOR RETAIL ESTABLISHMENT - A mobile scanner gun system is designed for a retail store with integrated mobile tablet device carried by employees. The mobile tablet device is connected to the pistol gun base housing through a base mount universal receiver with rotational coupling, and communicates to a USB barcode scanner/reader and MSR through a specialized universal serial bus wiring harness. The Main PCB has an EEPROM controlling operations of a scanner and an MSR. The mobile tablet device has mobile applications which allow wireless communication in the form of Wi-Fi or wireless cellular with a POS store systems server and corporate ERP system, and also commands the EEPROM. Merchandise to be purchased is scanned and received by the mobile tablet device and then sent wirelessly to the POS store systems server and corporate ERP system to obtain product data concerning description, price, inventory, electronic and physical coupon, promotions, customer loyalty data and rewards. | 2014-09-04 |
20140249942 | MOBILE BARCODE SCANNER GUN SYSTEM WITH MOBILE TABLET DEVICE HAVING A MOBILE POS AND ENTERPRISE RESOURCE PLANNING APPLICATION FOR CUSTOMER CHECKOUT / ORDER FULFILLMENT AND REAL TIME IN STORE INVENTORY MANAGEMENT FOR RETAIL ESTABLISHMENT - A mobile scanner gun system efficiently and reliably processes a retail store purchase and/or performs daily store inventory management functions. The system has a main body portion extending toward a handle portion, the main body portion having a base, side walls, a front wall and a back wall constructed to form an interior cavity, wherein the front wall includes an aperture with a lens recessed therein. The front wall has a trigger member located near the base of the main body. A USB MSR input device integrated on the short edge of the mobile tablet device (upper receiver) is used for processing payment card sales transactions through a secured PCI compliant, end to end encrypted bank card processor. The mobile tablet device has a system integrated therein that enables real-time store level inventory management and fully functioning POS capability for selling merchandise in a retail sales environment. | 2014-09-04 |
20140249943 | WEARABLE MOBILE SCANNER SYSTEM WITH MOBILE TABLET HAVING A MOBILE POS AND ENTERPRISE RESOURCE PLANNING APPLICATION FOR POS CUSTOMER ORDER FULFILLMENT AND METHOD IN STORE INVENTORY MANAGEMENT FOR RETAIL ESTABLISHMENT - A retail store purchasing system has a plurality of wearable mobile scanner systems with mobile tablet devices integration capability therein adapted to be carried by employees. Each wearable mobile scanner system comprises a mobile tablet device attached to a wearable base housing directly below it, and connected by a base mount universal receiver with rotational coupling. The Main PCB has an EEPROM controlling operations of a USB scanner and MSR. The mobile tablet device has an application which allows wireless communication with a POS store systems server and also commands the EEPROM. A product to be purchased is scanned by activating a button associated with said wearable mobile scanner system. This scanned data is received through the Main PCB to the mobile tablet device USB port and is sent wirelessly to the POS store systems server to obtain product data concerning description, price, inventory and promotions. | 2014-09-04 |
20140249944 | WEARABLE MOBILE SCANNER SYSTEM WITH MOBILE TABLET HAVING A MOBILE POS AND ENTERPRISE RESOURCE PLANNING APPLICATION FOR POS CUSTOMER ORDER FULFILLMENT AND IN STORE INVENTORY MANAGEMENT FOR RETAIL ESTABLISHMENT - A wearable mobile scanner system processes a retail store purchase in a convenient, time efficient and reliable manner. The wearable mobile scanner system includes a forearm portion and a hand portion. The forearm portion comprises a main body member and at least one strap member and is adapted to secure the forearm portion upon a user's forearm. The hand portion comprises a central forehand member, a palm member, and a forefinger aperture, wherein the hand portion is aligned with the forearm portion and wherein the hand portion is adapted to receive a hand of the user. A trigger member is located on the forefinger aperture in communication with a USB scanner input device mounted on the central forehand member of the hand portion. A system integrated therein enables store level real-time inventory management and a fully functioning mobile POS for selling merchandise throughout the store and beyond its walls. | 2014-09-04 |
20140249945 | SYSTEM AND METHOD FOR SECURED ACCOUNT NUMBERS IN PROXIMITY DEVICES - A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one embodiment, the method includes receiving a proximity type of wireless financial transaction request along with a secured account number from a portable proximity consumer device such as a contactless smart card, converting the secured account number to the user's real account number, and transmitting the financial transaction request along with the user's real account number to the issuer of the user's real account number for authorization and processing. | 2014-09-04 |
20140249946 | SYSTEM AND METHOD OF CARDHOLDER VERIFICATION - A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer. | 2014-09-04 |
20140249947 | STORE MOBILE CLOUD APPLICATION SYSTEM FOR INVENTORY MANAGEMENT AND CUSTOMER ORDER FULFILLMENT AND METHOD FOR RETAIL ESTABLISHMENT - A store mobile cloud application system executes a retail store purchasing system having plurality of barcode scanners and scan guns integrated with a mobile tablet device carried by employees. The mobile tablet device is rotatably attached to a base housing directly below it connected by a base mount universal receiver with rotatable coupling. The Main PCB has an EEPROM controlling operations of the USB devices including the scanner and an MSR. The mobile tablet device has mobile applications which allow wireless communication with a POS store systems server and the corporate ERP system, and also commands the EEPROM. Scanned data involving a product to be purchased is received by the mobile tablet device and sent wirelessly to the POS store systems server to obtain product data. The allocation of inventory sold, but not available in the store, are processed real-time through the corporate ERP system and available for review chain-wide. | 2014-09-04 |
20140249948 | MOBILE CHECKOUT SYSTEMS AND METHODS - A mobile checkout system and method for completing a purchase transaction to purchase items from an internet merchant. A user browses and selects items for purchase from the merchant through a shopping application or browser. During the processing of the transaction, a checkout application installed on a mobile communication device is launched. The checkout application receives a checkout token created by a checkout server that identifies the purchase transaction. The checkout application uses this token and communicates with the checkout server to cause the checkout server to complete the purchase transaction. When the transaction is complete, the shopping application or browser is relaunched and a results page is displayed. | 2014-09-04 |
20140249949 | CONSUMER PROCESSING SYSTEM AND METHOD - Disclosed is a consumer processing system for identifying and recognizing a consumer engaged in a transaction with a merchant. The system includes a consumer processing system interface for receiving, from a merchant, a consumer/transaction data set with a plurality of fields. A consumer/transaction database is populated with data sets, and each data set is related to a specific consumer and also includes multiple data fields therein. The consumer/transaction data set is established as part of an initial data set in the consumer/transaction database, and thereafter, during subsequent transactions, compared to an existing data field in an existing data set in the consumer/transaction database. Based upon the establishment or comparison, a consumer activity data set is communicated from the consumer processing system interface to the merchant. A method of identifying and recognizing a consumer engaged in a transaction with a merchant is also disclosed. | 2014-09-04 |
20140249950 | STORE SYSTEM - In accordance with first embodiment, a store system comprises an image capturing apparatus configured to optically capture an image through an image capturing window; a display for customer configured to be selectively arranged in a horizontal or vertical manner at a side opposite to a side where the image capturing window is arranged to display the display data; a determination unit configured to determine whether the display for customer is placed vertically or horizontally; a sales registration unit configured to execute a sales registration processing in response to an image captured by the image capturing apparatus; and a display content changing unit configured to change, in response to a determination result based on the determination unit, the display data of the sales registration processing carried out by the sales registration unit displayed on the display for customer. | 2014-09-04 |
20140249951 | MERCHANDISE SALES DATA PROCESSING APPARATUS, AND PROGRAM THEREFOR - A merchandise sales data processing apparatus includes a code reading unit configured to read a code of a customer purchasing a merchandise, an electronic receipt issuing instruction unit configured to receive an instruction for issuing electronic receipt information associated with merchandise sales data, an electronic receipt generation unit configured to generate the electronic receipt information in correlation with the code of the customer when the instruction for issuing the electronic receipt information is received by the electronic receipt issuing instruction unit, a transmission unit configured to transmit a company code indicating a company and the electronic receipt information generated by the electronic receipt generation unit to an electronic receipt server, and a receipt printing unit configured to print a paper receipt associated with the merchandise sales data when the instruction for issuing the electronic receipt information is not received by the electronic receipt issuing instruction unit. | 2014-09-04 |
20140249952 | FACILITATING A SUPPLY OF USED ITEMS - Techniques are described for facilitating a supply of used items on behalf of an entity that desires to acquire such used items, such as a merchant that sells used items to customers. The used items are obtained based on interactions with recipients who receive items that are sold or otherwise provided by one or more merchants (or other suppliers of items), such as by supplying appropriate information and materials to the recipients along with the items. In some situations, when an item is delivered or otherwise supplied to a recipient by a merchant, the merchant also supplies information to the recipient that indicates an offer from a used item acquirer entity to re-acquire the item from the recipient (such as after the recipient has used the item) and shipping materials for use in returning the item to an indicated destination if the recipient accepts the offer. | 2014-09-04 |
20140249953 | METHOD, APPARATUS, AND COMPUTER READABLE MEDIUM FOR PROVIDING A DIGITAL UNWRAPPING TRIGGER - Provided herein are systems, methods and computer readable media for facilitating delivery of a digital notification of a physical product to inform a recipient of the identity of the physical product. A digital notification may inform the recipient of the identity of a physical product ordered for the recipient by a sender. A digital unwrapping trigger may be utilized to ensure that the recipient is authorized to view the identity of the digital product. For example, the digital notification may not identify the identity of the physical product until a particular date has passed (e.g., a holiday or birthday), until the recipient performs a certain task, or until the recipient meets a certain goal. In response to the trigger occurring, the digital notification may be enabled for viewing of the identity of the physical product. The physical delivery of the product may be coordinated with delivery of the digital notification. | 2014-09-04 |
20140249954 | PROVIDING NOTICE AND PURCHASING A GIFT IN AN ONLINE OR ELECTRONIC ENVIRONMENT - Various embodiments are directed to systems and methods for funding the purchase of one or more gifts. In one embodiment, a method for purchasing gifts may include providing a computing device configured to access one or more retailer websites. Each retailer website may list one or more gifts available for purchase. The method may include selecting a plurality of gifts available for purchase. The method may include ranking the selected plurality of gifts to indicate a funding order. The method may include receiving one or more monetary contributions to fund the purchase of one or more of the selected plurality of gifts. The method may include allocating the one or more monetary contributions according to the rank of the selected plurality of gifts prior to purchase of one or more of the gifts. The method may include deselecting at least one of the selected gifts. | 2014-09-04 |
20140249955 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM, AND RECORDING MEDIUM - A list of a plurality of transaction objects is displayed suitably for a user according to a user's interest. An information processing apparatus includes: a specifying means that specifies transaction objects whose reference list registration information or reference list deletion information is stored in a storing means that stores at least one of the reference list registration information indicating transaction objects registered by a user in a reference list holding a reference to information on transaction objects and the reference list deletion information indicating transaction objects deleted from the reference list by the user, among a plurality of transaction objects to be listed in response to a request from a user; and a controlling means that controls a display mode in a list of the transaction objects specified by the specifying mean. | 2014-09-04 |
20140249956 | GRAPHICAL INDICATIONS OF CHARACTERISTICS OF USERS - A graphical indication of a characteristic is assigned to each of a plurality of entities. A graphical indication is assigned to a first entity based on the graphical indications of the characteristic of each of a plurality of entities associated with the first entity. Then the graphical indication is assigned to the first entity on a display. | 2014-09-04 |
20140249957 | MOBILE APPLICATION FOR IN-STORE USE - According to some embodiments of this disclosure, a software application running on a mobile device (e.g., a tablet or smartphone device) is provided which may be used by a sales associate in a physical store of an entity to assist a consumer in shopping for products or services. For example, the software application may be used by the associate to retrieve and display user generated content (UGC) items related to the products or services to assist the consumer in shopping. The software application may also store a browsing history for the user, and the sales associate may then transmit the browsing history to the consumer (e.g., via email or other electronic message). | 2014-09-04 |
20140249958 | SYSTEM AND METHOD FOR CUSTOM SERVICE MARKETS - Methods and systems for providing custom services are disclosed. A developer interface provides standards, such as an application platform interface, for developers to use to make and test applications and services. A user interface can access downloadable or hosted services or applications to multiple users, such as, merchants, banks and networks. The system can then provide custom individual or packages of services to users based on the services requested by the user and charge the user for them on a subscription or per-use basis. | 2014-09-04 |
20140249959 | VEHICLE EVALUATION DEVICE AND VEHICLE EVALUATION METHOD - Various forms of vehicle driving energy are provided for vehicles, such as gasoline vehicle, hybrid vehicle, ethanol vehicle, electric vehicle and fuel cell vehicle. In such circumstances, an index is desired by vehicle purchasers, which has a viewpoint on the benefit to be obtained by using an electricity storing section of a vehicle for other than running the vehicle, and with which the economic efficiencies of those vehicles can be more clearly compared/examined, in the correlation between the prices of the abovementioned vehicles using various vehicle drive energy modes, and the fuel consumption and the drive energy consumption costs thereof. To display evaluations of vehicles in various drive energy modes, by dividing a fuel efficiency numerical value by a vehicle price. In addition, to achieve a vehicle evaluation/comparison at the time of purchasing a new car, by setting a planned running distance. | 2014-09-04 |
20140249960 | SYSTEM AND METHOD FOR LISTING ITEMS FOR PURCHASE BASED ON REVENUE PER IMPRESSIONS - A computer-enabled transaction system provides a list of items for purchase in response to a user request for an item. The system filters prospective items based on eligibility which includes availability of the item for purchase. Eligible items are ranked based on generated revenue per impressions wherein impressions include previous viewings of the items. The ranked, eligible items are then displayed in a list to the user with preferential displaying of the higher ranked items. | 2014-09-04 |
20140249961 | INTERACTIVE CUBICLE AND METHOD FOR DETERMINING A BODY SHAPE - A cubicle for trying on one or more items of clothing and a method for determining a body shape are described. A cubicle includes a display of an avatar with one or more items of clothing, and an interaction unit for a user to modify the items of clothing. The method includes gathering the spatial coordinates of a plurality of points on the surface of the dressed person and body parameters that at least partly define the body shape to be determined. | 2014-09-04 |
20140249962 | INTERACTIVE PLATFORM SYSTEM FOR A HANDHELD WIRELESS DEVICE BASED ON ITS LOCATION AND METHOD THEREOF - An interactive platform system for a handheld wireless device based on its location and method thereof is provided. The server platform receives a query from the user end and issues a request to the mapping engine. The mapping engine searches the database and issues a list of the vendor ends based on the request and located within an area of a location of the user end. When one of the vendor ends within the list is selected by the user end, an instant messenger is established for communication directly between the user end and the selected vendor end. Also, the vendor end may requests an activity query to the server platform. Therefore, the application program may apply multiple diversification operations and interactive services. | 2014-09-04 |
20140249963 | METHOD AND APPARATUS FOR ELECTRONIC PRODUCT INFORMATION AND BUSINESS TRANSACTIONS - A shopping aid for electronically supplying product information is provided. In one aspect of the invention, product, sales, status, availability and/or other related product information may be transmitted locally from a computer system associated with a merchant or from the Internet to a portable electronic device of the consumer. The customer may consult the mobile device as a shopping aid to receive current and accurate information about a product, product status and availability or other information such as compatible products and/or services, promotional or other items of interest useful in making purchasing decisions. | 2014-09-04 |
20140249964 | SYSTEM AND METHOD FOR GATHERING ECOMMERCE DATA - The techniques introduced here provide a method of gathering ecommerce data. The techniques described here allow a system to return information about a product from several non-related ecommerce sites in response to a single search query. Using the techniques described here, a data mining system determines from the search query a product ID and retrieves from a database one or more product links that correspond to the product ID. Using the product links retrieved from the database, the data mining system traverses the links and parses the web-pages corresponding each of the links to determine up to date product information. The product information can then be returned to the application that initiated the request. | 2014-09-04 |
20140249965 | MEDIA ITEM COLLECTION PRE-ORDER FULFILLMENT - Fulfilling a pre-order for a collection of media items in an online store, enforcing one or more pricing schemes which adjust the price charged for the collection of media items purchased as a pre-order, and managing changes to a pre-order campaign as they are received from a media publisher. | 2014-09-04 |
20140249966 | System and Method for Recipe, Grocery, and Food Services - A system includes one or more software programs which are utilized to automate a process of converting an object in media, such as a recipe on a website, into a component list, such as a recipe list. The component list may be converted to a shopping items list, such as a grocery list. In one example, a recipe website provides recipes. A user selects one or more of the recipes. Software creates a recipe list of recipe items. In one example, this is accomplished by the software reading a recipe presented in the media content. The software automatically converts the one or more selected recipes into one or more shopping lists. The shopping lists may be used by the user to manually obtain and purchase items at a store. Alternatively, the one or more shopping lists may be used as input for an electronic shopping service or a suppliers fulfillment platform. | 2014-09-04 |
20140249967 | ORDER RECEPTION APPARATUS AND METHOD FOR TRASMITTING ORDER OF MENU ITEM BY THE SAME - In accordance with one embodiment, an order reception apparatus, which displays a first selection screen for receiving an order of a menu item, comprises a reception module configured to receive a selection operation of the menu item on the first selection screen by a customer, a connection module configured to be connectable to an external apparatus, and a transfer module configured to transfer a content relating to the menu item the selection of which is received by the reception module on the first selection screen to the external apparatus connected with the connection module. | 2014-09-04 |
20140249968 | System and Method for Facilitating Secure Self Payment Transactions of Retail Goods - Disclosed herein are various embodiments for systems and methods for self-payment and verification of the purchase of retail goods and services. According to an embodiment of the invention, a method for verifying the purchase using a mobile electronic device in wireless communication with a payment verification system and a code generating system is provided, the method comprising the steps of: receiving from a consumer information identifying an item for purchase; receiving from a consumer information identifying payment means for purchasing the item for purchase; processing the information identifying the item for purchase and information identifying payment means and generating a unique QR code indicating a purchase of the item; sending the unique QR code to a mobile device for display by a consumer to the vendor of the item for purchase. | 2014-09-04 |
20140249969 | Method for item or service recommendation based upon performance of user with item or service. - A method, system and computer program for producing endorsements for products or services that have indisputable documentation of successful the product or service's successful use by a user in an activity. | 2014-09-04 |
20140249970 | ELECTRONIC RECEIPT SYSTEM, ELECTRONIC RECEIPT MANAGEMENT SERVER, AND PROGRAM THEREFOR - According to one embodiment, an electronic receipt system includes an electronic receipt collective management unit, an electronic receipt transmission unit, and an electronic receipt display unit. The electronic receipt collective management unit manages electronic receipt information as digitized sales information related to in-store shopping in association with an first code for identifying a customer, and manages sales information, which is associated with a second code, from on-line shopping at a virtual store on a network as electronic receipt information by associating the second code with the first code. The electronic receipt transmission unit transmits the electronic receipt information associated with the first code to an information processing apparatus. The electronic receipt display unit displays the electronic receipt information transmitted to the information processing apparatus. | 2014-09-04 |
20140249971 | ELECTRONIC RECEIPT MANAGEMENT SERVER, INFORMATION PROCESSING DEVICE, AND INFORMATION PROCESSING METHOD - An electronic receipt management server includes an electronic receipt management unit for managing a code of each consumer and electronic receipt information in correlation with each other, a first receiving unit for receiving from an information processing device of a consumer a selection of electronic receipt information that is an object of grouping, among the electronic receipt information correlated with the code, and a first grouping unit for grouping the selected electronic receipt information into a group to be managed by the electronic receipt management unit. | 2014-09-04 |
20140249972 | METHOD OF REPOSTING TRANSACTIONAL DOCUMENTS - A method of modifying an original transaction document of a computerized accounting system that includes a general ledger having original transaction postings corresponding to transactions contained in the original transaction document, a new transaction document is generated in response to a command to edit the original transaction document. Next, the new transaction document is modified and saved as a modified new transaction document. The original transaction postings in the general ledger are then nullified. Finally, transactions of the modified new transaction document are posted in the general ledger. | 2014-09-04 |
20140249973 | SYSTEM AND METHOD OF REVENUE CREATION AND ECONOMIC STIMULATION THAT PRESERVES A PROGRESSIVE TAX STRUCTURE AND UTILIZES INCENTIVES AND PENALTIES TO FORM THE BASIS OF TAXATION - A system and method of revenue creation and economic stimulation that preserves a progressive tax structure and utilizes incentives and penalties to form the basis of taxation. One goal is to alter the saving and spending patterns of people in a manner beneficial to the economy, the individual, the government, and possibly targeted industries requiring remedial action or stimulation. Thus a predicted result is that economic productivity will increase employment, savings, and spending generation. | 2014-09-04 |
20140249974 | SYSTEM FOR PROVIDING GOODS AND SERVICES BASED ON ACCRUED BUT UNPAID EARNINGS - A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. Also included are a plurality of physical system resource interfaces for interfacing with available physical system resources. The physical system resources allow a user to gain access to the predetermined desired services. The system further includes a data store for storing configuration information for enabling the operating system to interface with the available physical system resources through the physical system resource interface associated therewith. A communication resource for interfacing with the operating system allows communication of the operating system with a central office for downloading configuration information to selectively enable ones of the available physical system resources to interface with the operating system through associated ones of the physical system resource interfaces in accordance with the configuration information and the predetermined service selected by a user. A plurality of configurations are stored in the data store, and each is associated with a predetermined service and one or more of the available physical system resources. Each physical system resource interface is uniquely associated with a defined one of the physical system resources. | 2014-09-04 |
20140249975 | INTERACTIVE ELECTRONIC BILL PAYMENT SYSTEM - A system for coordinating the submission and processing of a bill according to predictive payment data of a plan. The system comprises a provider interface and an integrated database for receiving a predictive payment plan submitted from the provider interface. The system also has a predictive payment request of the plan storable in the database, the request including a plurality of predictive payment parameters. An adjudication engine is coupled to the integrated database, and an insertion function is used for inserting the predictive payment parameters, when stored in the database, into an adjudication rule set of the adjudication engine. The adjudication rule set is used for eventual adjudication of the predictive payment data, wherein adjudication of the predictive payment data results in the generation of the bill. The system also has a workflow engine coupled to the integrated database for coordinating the processing of the electronic bill and for updating the bill information in response to the bill processing. A management system is coupled to the integrated database for monitoring the contents of the integrated database accessible by the provider interface, wherein the provider can coordinate real-time retrieval of submission and status details for bill information contained in the integrated database. | 2014-09-04 |
20140249976 | ACCOUNTING SYSTEM AND EV CHARGING SYSTEM - According to an embodiment, an accounting system includes a charging device configured to charge a battery, an EMS server configured to be communicable with the charging device and a vehicle, accounting management module for executing authentication between user information in a user information database, which stores the user information including a user ID and a billing destination, and information which is received, and an AMI configured to connect the accounting management module and the EMS server. The EMS server is configured to receive the user ID and a charging power amount from the charging device, to transmit them to the accounting management module, and to transmit the user ID and a used power amount by the charging to the accounting management module. | 2014-09-04 |
20140249977 | INTERACTIVE FINANCIAL INSTITUTION INTERFACE - Disclosed are electronic systems and techniques for implementing an interactive financial interface that uses messages sent to and from financial institutions to view account information and interact with accounts at disparate financial institutions. The interactive financial interface can display balances of the accounts at the financial institutions, combined or individually, the interface can also show spending history, income history, and trend information which can be used to facilitate making financial decisions. Charts and graphs showing spending history and trends can also be sorted and filtered based on a number of criteria to better show relationships and patterns in the transaction history. Based on the trends and patterns, the interface can also provide recommendations to accomplish financial goals. The interface can also facilitate two-way communications with the financial institutions and instructions and commands can be sent to the financial institutions via the interface. | 2014-09-04 |
20140249978 | METHODS AND SYSTEMS FOR PROVIDING A SAVINGS GOAL - Example embodiments describe a method and a system to provide mobile payments on a secondary linked account. In example embodiments, a secondary account is linked to a primary account. One or more parameters from a primary account holder of the primary account is received that define limitations on access and use of funds in the secondary account by a secondary account holder. Based on the one or more parameters, a determination that the secondary account holder is allowed to make mobile payments is made. An identifier of a mobile device and a PIN from the secondary account holder is received to activate the mobile device to make the mobile payments in response to the determining that the secondary account holder is allowed to make the mobile payments. | 2014-09-04 |
20140249979 | ENHANCING THE HANDLING SPEED OF ELECTRONIC FINANCIAL SERVICES MESSAGES - Handling is expedited for electronic financial service messages, particularly those destined for an exchange | 2014-09-04 |
20140249980 | SYSTEM AND METHOD FOR A TRADING INTERFACE INCORPORATING A CHART - A graphical interface and method are provided for displaying market information corresponding to a tradeable object. One graphical interface includes a chart region for displaying historical market data in relation to a first value axis, and a market grid region in alignment with the chart region. The market grid region comprises a plurality of areas for receiving commands from a user input device to send trade orders, and the areas are displayed in relation to a second value axis. A plurality of values displayed along the second value axis is a subset of values displayed in relation to the first value axis, and can be modified to a new plurality of values that corresponds to a new subset of values on the first value axis. | 2014-09-04 |
20140249981 | DISTRIBUTION OF ELECTRONIC MARKET DATA - A system and method are provided that, among other things, can reduce the burden on receiving computers, increase data throughput, reduce system failure, and provide components of a scalable and flexible network architecture. Specifically, the system and method provide a multichannel-multicast network environment for use in dynamically assigning data to channels. This configuration is particularly useful in a trading network environment, as it effectively performs channel reassignments in a way not to disturb the receipt of the underlying data. While the example embodiments described herein pertain to electronic trading, the principles of the present invention may be equally applied in other environments where the advantages presented herein are beneficial. | 2014-09-04 |
20140249982 | Medium for Brokering Tax Liens - A computer-readable storage medium is presented for brokering tax liens in a way that calculates, in a loan agreement, an amount of an advance on new tax liens by subtracting a note balance from the product of an amount of total eligible tax liens and an advance rate. One signatory party can guarantee the re-purchase of unredeemed tax liens upon expiration of an agreed-upon deadline. The loan agreement can be periodically renewed by replacing the oldest tax liens with new tax liens for a recomputed purchase price on a new basis. The signatures of all parties to the loan agreement are then secured. | 2014-09-04 |
20140249983 | Securitization of a Commercial Transaction - A method and apparatus for generating a tradable security includes confirming a vendor's compliance with predefined terms of a commercial transaction, such that a buyer is obligated to make a due payment. The method and apparatus further includes electronically rating a financial commitment relating to a receivable account for the commercial transaction. This receivable account is rated based on conditions and factors known to a system facilitating the commercial transaction. Based on the ability for the financial commitment to be rated, a financial exchange is operative to transfer entitlement rights to monies due under the receivable account where the terms for the transfer of the entitlement rights are based at least in part on the electronic rating. Thereby, receivable accounts to commercial transactions may be tradable by one or more investors as properly rated investment. | 2014-09-04 |
20140249984 | SYSTEM AND METHOD FOR DISPLAYING HIGHEST AND LOWEST TRADED PRICES OF TRADABLE OBJECTS - A client terminal displays on a graphical interface a first indicator of a price associated with a lowest traded price of a tradable object during a predetermined period of time, a second indicator of a price associated with a highest traded price of the tradable object during the predetermined period of time, along with at least one quantity indicator associated with at least one order to buy/order the tradable object. The first indicator, the second indicator, and the at least one quantity indicator are displayed in relation to a static axis of price, and the client terminal dynamically updates the first and second indicator to new lowest and highest traded prices based on market updates received from an exchange. | 2014-09-04 |
20140249985 | CREATING AND MAINTAINING A PAYOUT-READY PORTFOLIO WITHIN AN INVESTMENT PLAN TO GENERATE A SUSTAINABLE INCOME STREAM - Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, a feasible, personalized pattern of periodic cash payouts from an investment plan is structured to achieve level annual income during a payout period when combined with other income sources. A mapping is maintained of fixed income investments from a limited universe of financial products available within the investment plan to corresponding constant maturity Treasury bond (CMT) weights. Based on the mapping, a payout program is designed that is expected to generate a stream of income sufficient to fund the cash payouts by determining an appropriate allocation of assets within the investment plan among the fixed income investments. A payout portfolio is formed within the investment plan including holdings in the fixed income investments in accordance with the determined appropriate allocation. The cash payouts are paid to the investor. | 2014-09-04 |
20140249986 | SYSTEM AND METHOD FOR SECONDARY MARKET GIFT CARD AUCTIONS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for auctioning gift cards on the secondary market. The system can receive a prepaid debit account for resale from an owner and determine a face value for the prepaid debit account. The system can establish a floor price and offer the prepaid debit account for sale via an auction, starting at an initial price above the floor price and up to and including the face value, and can decrement the sale price at regular time intervals. The system can end the auction when a purchaser purchases the prepaid debit account at the decremented price. However, if no purchaser purchases the prepaid debit account before the decremented price is below the floor price, the system can purchase the prepaid debit account from the owner for the floor price. The system can store the prepaid debit account in an inventory for resale. | 2014-09-04 |
20140249987 | Synthetic Funds Having Structured Notes - The present invention relates to synthetic funds for purchase by investors. A structured note is structured to provide customized equity returns/exposure. Terms of each structured note may be specified by the purchaser and the structured notes may be unsecured liabilities of the obligor, e.g., there are no underlying assets upon which the structure note is based. Thus, there will be no limits on the use of structured note proceeds and management of assets and liabilities will be left entirely to the obligor's discretion. Structured note payment obligations may be related to the performance of an objective valuation, but structured note holders will depend on the good credit of the obligor for payment. | 2014-09-04 |
20140249988 | Synthetic Funds Having Structured Notes - The present invention relates to synthetic funds for purchase by investors. A structured note is structured to provide customized equity returns/exposure. Terms of each structured note may be specified by the purchaser and the structured notes may be unsecured liabilities of the obligor, e.g., there are no underlying assets upon which the structure note is based. Thus, there will be no limits on the use of structured note proceeds and management of assets and liabilities will be left entirely to the obligor's discretion. Structured note payment obligations may be related to the performance of an objective valuation, but structured note holders will depend on the good credit of the obligor for payment. | 2014-09-04 |
20140249989 | TRADING INTERFACE FOR FACILITATING TRADING OF MULTIPLE TRADEABLE OBJECTS IN AN ELECTRONIC TRADING ENVIRONMENT - A system and method are provided for trading multiple tradeable objects. One example method includes displaying at least one combined quantity indicator representing a combined quantity associated with at least two tradeable objects, detecting an input associated with an order for a predetermined order quantity in relation to one of the combined quantity indicators, and allocating the order quantity between the at least two tradeable objects using at least one quantity allocation rule. In one example embodiment, a plurality of quantity allocation rules can be user-configurable, and different rules can be defined and applied in relation to different order types. | 2014-09-04 |
20140249990 | USER INTERFACE FOR SEMI-FUNGIBLE TRADING - A user interface and method are disclosed for providing trading between a plurality of semi-fungible and non-fungible goods. A plurality of book axes are displayed in a single interface, each book axis representing a market for a particular good. Orders for goods are displayed as marks on the axes to display the relative value of the orders. A value axis is provided that relates the value of the goods from each market to each other. Thus, a single interface provides the means to relate the values of different semi-fungible goods. The value axis may be displayed in units of price, or a custom value designated by a user or pre-defined by the interface. Quantity information is represented in the interface through the display of a dimension of an order icon. Precise information about each order is displayed either in a panel view or a pop-up window. | 2014-09-04 |
20140249991 | COMPUTER IMPLEMENTED FINANCE MANAGEMENT ROUTING SYSTEM - Broadly, the present invention relates to data processing in general and more particularly to a finance management system or “system” ( | 2014-09-04 |
20140249992 | GUARANTOR MORTGAGES - Systems, methods, and machine-interpretable programming or other instruction products for guarantor mortgages. In particular, the disclosure provides methods, apparatus, and programming product for the processing of improved transfer of monetary value through innovative loan processes. | 2014-09-04 |
20140249993 | METHOD AND APPARATUS FOR PERFORMING TRANSACTIONS VIA A SPONSOR ACCOUNT - An approach is presented for performing a transaction via a sponsor account. The transaction manager receives a request to sponsor payment for one or more client accounts by a sponsor account. Further, the transaction manager determines payment information associated with the sponsor account. Then, the transaction manager determines to associate the payment information with the one or more client accounts. | 2014-09-04 |
20140249994 | Wearable device with unique user ID and telemetry system for payments - A method of payment is provided using telemetry data and a wearable device. A communication is transmitted from a wearable device which belongs to a first party and has a first party unique ID. The communication includes the first party unique ID. The wearable device has an ID storage and a communication system that reads and transmits the unique ID from the ID storage. The communication is received from the wearable device at a telemetry system that confirms the unique first party ID. The telemetry system communicates with at least one of, a mobile device, a first party's financial account, a payment system and a network system. In response to confirming the unique first party's ID at the telemetry system, funds are transferred from a first party's financial account to a second party through the first party's financial account, payment system and network system. | 2014-09-04 |
20140249995 | TRANSACTION PROCESSING METHOD, APPARATUS AND SYSTEM - The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process. The transaction processing is information, such as goods to be purchased and amount, is provided from the payer electronic device to a transaction processing system. A transaction processing system then advises a payee (e.g. merchant) that goods have been ordered from the payee and provides the payee with the information on the ordered goods, and also confirms that payment has been made. The merchant subsequently provides the goods to the payer. | 2014-09-04 |
20140249996 | COMPUTER METHODS AND COMPUTER SYSTEMS FOR FACILITATING AUTOMATED SALE TRANSACTIONS BETWEEN BUYERS AND SELLERS OVER THE SALE OF FULLY PRE-SPECIFIED PRODUCTS AND SERVICES - In one embodiment the instant invention provides for a method that includes: the following steps of: programming a computer system, to perform the steps of: receiving, from a seller, seller information for an item that the seller offers to sell; determining from the seller information: identifying characteristics that specifically describe the item and specifically identify the seller; Minimum Acceptable Price (MAP) and Minimum Acceptable Price Range (MAPR), and Maximum Allowable Number of Negotiating Chances per each buyer (MANBCs); receiving, from the potential buyer, a buyer offer for the first item and consummating a sale transaction when: a monetary amount or a range of monetary amounts submitted by the buyer respectively matches the MAP or the MAPR, and the potential buyer has not previously submitted an other offer for the item so that a total number of offers made by the potential buyer is equal or less than the MANBCs. | 2014-09-04 |
20140249997 | ELECTRONIC RECEIPT SYSTEM, ELECTRONIC RECEIPT MANAGEMENT SERVER, INFORMATION PROCESSING DEVICE AND PROGRAM - An electronic receipt system includes an electronic receipt generation unit configured to generate electronic receipt information relating to merchandise sales data, and correlate the electronic receipt information with a code of a consumer, an electronic receipt management unit configured to associate the electronic receipt information with a company code, an electronic receipt collective management unit configured to manage the electronic receipt information collectively for a plurality of the companies, a group associating unit configured to define a group by associating codes of different consumers with the group, and an electronic receipt transmission unit configured to transmit the electronic receipt information to information processing devices that are correlated with the codes that are associated with the group. An electronic receipt display unit of an information processing device is configured to display the electronic receipt information transmitted by the electronic receipt transmission unit. | 2014-09-04 |
20140249998 | ELECTRONIC RECEIPT SYSTEM, ELECTRONIC RECEIPT MANAGING SERVER, INFORMATION PROCESSING DEVICE, AND INFORMATION PROCESSING METHOD - An electronic receipt managing server includes a reception unit configured to receive electronic receipt information relating to a sale of a merchandise at a store to a consumer, an electronic receipt management unit configured to manage the electronic receipt information, an additional information management unit configured to manage additional information, for example, warranty information, of the merchandise with the electronic receipt information, an electronic receipt transmission unit configured to transmit the electronic receipt information to an information processing device associated with a code of the consumer, and an additional information transmission unit configured to transmit the additional information to the information processing device. | 2014-09-04 |
20140249999 | Multiple Merchant Payment Processor Platform Apparatuses, Methods and Systems - The MULTIPLE MERCHANT PAYMENT PROCESSOR PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MID-PLATFORM”) enable merchants to customize the way payments made to them are processed. For example, a computer-implemented MID-Platform receives a payment request associated with a site (e.g., a website) and identifies a site profile associated with the site. The site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors. The MID-Platform processes information associated with the payment request according to one or more transaction preference rules to select one of the account processors. Then, the MID-Platform sends a payment processing request to the selected account processor. | 2014-09-04 |
20140250000 | ELECTRONIC DEFERRED CHECK WRITING SYSTEM - A method and system for electronic deferred check processing is disclosed. A processing center receives an account identifier and a plurality of deferred payment amounts. The deferred payment amounts may be specified in a check, which can be digitized and electronically transmitted for further processing. The account identifier is correlated to a purchaser checking account. The deferred payment amounts are transferred to a merchant account in accordance with one of a plurality of predefined merchant transfer schedules, and each transfer may have a fee associated therewith that is deductable from the deferred payment amounts. The funds corresponding to the deferred payment amounts are also transferred from the purchaser checking account according to a predefined deduction schedule. | 2014-09-04 |
20140250001 | SYSTEM AND METHOD FOR PROCESSING GIFTS BETWEEN DIFFERENT PAYMENT ACCOUNT TYPES - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for creating a gift in one medium of exchange from stored value in another medium of exchange. The system accesses a first account representing stored value in a first medium of exchange, and chooses an amount of the stored value from the first medium of exchange. Then the system converts the amount of the stored value to a second medium of exchange to yield a converted amount, and gives the converted amount in the second medium of exchange to a recipient as a gift, wherein the gift is associated with a recipient account for the second medium of exchange, and wherein the gift is associated with a policy monitoring transactions made using the recipient account such that the converted amount is applied to a transaction satisfying conditions of the policy. | 2014-09-04 |
20140250002 | SYSTEM AND METHOD FOR PROCESSING A GIFT CARD VIA THE CLOUD - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for splitting a transaction among multiple participants. A system configured to practice the method first receives, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time. The system monitors, after the first time, purchasing transactions of the payee using the payee account for a qualified purchase according to the policy, wherein the policy, as defined by the payor, excludes a defined item. When the payee makes the qualified purchase by purchasing an item other than the defined item at a second time, which is later than the first time, the system transfers an amount of money into the payee account to pay for at least part of the qualified purchase. | 2014-09-04 |
20140250003 | ESTABLISHING AN ACCOUNT LIMIT FOR A DIGITAL WALLET ACCOUNT - Information is received via a wallet application on a mobile device. A verification process is performed on the information received via the wallet application. A limit is established for a user account based on an amount of the information received via the wallet application that is verified in the verification process. | 2014-09-04 |
20140250004 | Coupling Prepaid Debit Cards to Online Stored-Value Accounts - Technologies are described herein for making the value in an online-stored value account accessible through a prepaid debit card. A payment services provider may offer general-purpose reloadable (“GPR”) cards to customers that are co-managed by the payment services provider and a traditional prepaid program manager. An integration is implemented between the payment services provider system hosting the online stored-value account and the program manager system such that the balance of the funds maintained for the online stored-value account may be used for purchases made using the GPR card. | 2014-09-04 |
20140250005 | REAL-TIME MOBILE WALLET SERVER - Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal information from an entity. The MWS may then display to a user a summary of the request, a list of selections available in the wallet server that may satisfy the request, and a list of selectable response options for the user to choose to respond to the entity. In some aspects, the wallet server may store username and associated passwords, payment information, and/or contact information. In further aspects, the MWS may generate limited-use payment information associated with existing payment information. The MWS may communicate ad hoc messaging to the entity using voice-based or real-time text-based communications over an established communication link between the MWS and entity. | 2014-09-04 |
20140250006 | INTEGRATED MOBILE TRUSTED SERVICE MANAGER - Embodiments of the invention are directed to a centralized trusted service manager system in the form of a trusted service manager interconnectivity service hub, which facilitates and provides communications between entities involved in mobile contactless provisioning and payment systems. One embodiment of the present invention is directed to a method for processing a wallet request from a wallet provider associated with mobile communication device including a secure element through an interconnectivity hub. The method comprises receiving a wallet request in first protocol, determining an issuer associated with the account identifier, and obtaining application data. The method further comprises determining a trusted service manager associated with the secure element from among a plurality of trusted service manager computers using a routing table. Additionally, the method includes determining a second protocol and obtaining a secure element key for completing a request from a secure element trusted service manager using the second protocol. | 2014-09-04 |
20140250007 | METHOD AND SYSTEM OF COOKIE DRIVEN CARDHOLDER AUTHENTICATION SUMMARY - A method for authenticating a financial transaction includes: storing a plurality of transaction data entries, each transaction data entry including data related to a financial transaction and including transaction data and a consumer identifier; receiving cookie data, the cookie data including a computing device identifier and historical browsing data; receiving an authorization request for a financial transaction, the authorization request including a consumer identification; identifying, in the transaction database, a subset of transaction data entries, wherein each transaction data entry in the subset includes a consumer identifier corresponding to the consumer identification; identifying an authentication score for the financial transaction based on a correlation of transaction data included in each transaction data entry of the subset and the historical browsing data; and transmitting the identified authentication score and consumer identification for use in approval of the financial transaction by an issuer. | 2014-09-04 |
20140250008 | SERVICE ASSISTED RELIABLE TRANSACTION SIGNING - Techniques are disclosed for authenticating transactions conducted over computer networks, e.g., online banking transactions or other transactions performed by a financial institution at a customer's request. After receiving a transaction request (and associated transaction details), the transaction signing service signs the transaction data and sends the resulting blob to the user requesting the transaction. After being transmitted to the user, the signed transaction data itself is then signed using PKI credentials of the user, which then returns the twice-signed bundle to the financial institution. Rather than rely on the cryptographic signature of the client, the financial intuition (or other replying party) validates that the transaction data signed using its own highly trusted key has not been altered prior to being signed and returned by the client | 2014-09-04 |
20140250009 | Debit/Credit Card Fraud Prevention Software and Smart Phone Application System and Process - The present invention is a bank card fraud prevention system comprising a smart phone application and fraud prevention software placed within financial institutions that provide the subscriber the option to approve or decline a bank card transaction in real time based on a comparison between the user's smart phone geographical location at the time of the pending bank card transaction and the location of the purchase. The subscriber will have the ability to either immediately approve or decline the pending transaction by responding to the alert on the subscriber's present invention's smart phone application. The present invention smart phone application and fraud prevention software placed is within the subscriber's financial institution will further allow the subscriber to block all bank card transactions until the subscriber and the financial institution can determine if the subscriber's account has been compromised. | 2014-09-04 |
20140250010 | METHOD AND SYSTEM OF COOKIE DRIVEN CARDHOLDER AUTHENTICATION SUMMARY - A method for authenticating a financial transaction includes: storing a plurality of transaction data entries, each transaction data entry including data related to a financial transaction and including transaction data and a consumer identifier; receiving cookie data, the cookie data including a computing device identifier and historical browsing data; receiving an authorization request for a financial transaction, the authorization request including a consumer identification; identifying, in the transaction database, a subset of transaction data entries, wherein each transaction data entry in the subset includes a consumer identifier corresponding to the consumer identification; identifying an authentication score for the financial transaction based on a correlation of transaction data included in each transaction data entry of the subset and the historical browsing data; and transmitting the identified authentication score and consumer identification for use in approval of the financial transaction by an issuer. | 2014-09-04 |
20140250011 | ACCOUNT TYPE DETECTION FOR FRAUD RISK - A server computer can provide a merchant or other entity with a payment card (or other payment device) detection service that can determine a level of fraud based on the account type being presented (e.g., credit, debit, prepaid, etc.) at the time of purchase. For example, a payment account number (PAN) can be used to perform a database lookup (e.g., a range lookup) to identify the payment account type, which can then be fed into a fraud detection system. The level of fraud can then be used to determine an authorization result (e.g., accept, reject, or review). A use of a merchant processor computer that implements fraud processing can allow a merchant to implement discounting, acceptance, and/or fraud rules based on the card type. | 2014-09-04 |
20140250012 | SYSTEM AND METHOD FOR ACQUIRING TRANSACTIONAL DATA ON CONSUMER USE OF GIFT CERTIFICATES AT MERCHANT RETAIL LOCATIONS - Disclosed herein are systems, methods, and computer-readable storage devices for acquiring transactional data on consumer use of discounted gift certificates at merchant retail locations. The system sells a discounted gift certificate in combination with a payment network branded prepaid gift account to a consumer. The consumer can use the prepaid gift account to make a purchase and redeem the gift certificate. The point of sale terminal recognizes that the prepaid gift account has an associated gift certificate value and credits the value of the gift certificate to the purchase. If the purchase amount exceeds the gift certificate, the prepaid gift account processor partially authorizes the amount of the gift certificate and presents the remaining balance of the purchase to the consumer for additional payment. The system can create transaction data describing the amount spent by the consumer in excess of the gift certificate value. | 2014-09-04 |
20140250013 | TECHNIQUES FOR MOBILE TRANSACTION PROCESSING - Techniques for automated mobile transaction processing are provided. A consumer traverses to a web portal or other type of enterprise terminal device of an enterprise and proceeds to shop. During checkout, the portal contacts a transaction service and is delivered back an identifying barcode or Quick Response (QR) code. The consumer uses a mobile device to scan the code and send it to the transaction service. Previously registered payment details of the consumer are located and payment is received from the consumer. The portal is notified that payment is completed by the transaction service. | 2014-09-04 |
20140250014 | SEND AND RECEIVE SIDE CONTROL OF MONEY TRANSFER PARAMETERS - A computer system in a money transfer transaction. A request is received from a sender on a send computer to send a money transfer having a send amount. The sender is prompted on the send computer to select one or more parameters associated with the money transfer, the one or more parameters comprising money transfer receiver information including a receiver location. Money transfer fees associated with the money transfer are analyzed for a plurality of receive locations proximate the receiver location based on the selected one or more parameters. A receive location offering a lowest money transfer fee is selected from the plurality of receive locations. The send amount and fee for the selected receive location are collected from the sender. Information related to the money transfer is then stored, including the selected one or more parameters and the receive location, in a money transfer server. | 2014-09-04 |
20140250015 | USER INTERFACE FOR APPLICATION MANAGEMENT FOR A MOBILE DEVICE - This specification describes technologies relating to user interfaces for mobile devices. In general, one aspect of the subject matter described in this specification can be embodied in methods that include the actions of receiving a touch input to access an application management interface on a mobile device; presenting an application management interface; receiving one or more inputs within the application management interface including an input to install a particular application; installing the selected application; and presenting the installed application. | 2014-09-04 |
20140250016 | Method and System for Controlling Risk in a Payment Transaction - Example embodiments of the presently described subject matter are described that require a customer to use a secure payment token if, during a payment transaction, it is determined that the payment transaction poses a risk. A risk analysis may be performed based at least in part on data related to the payment transaction, such as data related to the customer, the transaction itself, the merchant, etc. If the results of the risk analysis indicate that an unacceptable amount of risk exists, the merchant or any interested party may require the customer to use a secure payment token, for example, a smart card, to conduct the transaction. Otherwise, the customer may proceed by using a static payment token, for example a credit card or PIN/password-based payment token. | 2014-09-04 |
20140250017 | METHODS FOR SECURE TRANSMISSION OF SENSITIVE DATA AND DEVICES THEREOF - A method, non-transitory computer readable medium and transaction management device comprising receiving data encrypted using a public asymmetric key and a symmetric key from a mobile computing device, wherein the public asymmetric key and the symmetric key is shared between the transaction management device and the mobile computing device prior to receiving the data. The received data is decrypted using the received symmetric key and an asymmetric private key, wherein the asymmetric private key is generated by the transaction management device prior to receiving the data. One or more actions are performed on the decrypted data | 2014-09-04 |
20140250018 | DUAL/MULTIPLE PIN PAYMENT ACCOUNT - The present invention relates to a method of authorising a transaction process, whereby a communication between a payment device and a payment processing network is established. Subsequently a transaction is initialised at the payment device, the input of a first User Identification Metric (UIM) is requested, the input of a second UIM is requested, the first and second UIMs are verified and the transaction process proceeds if both UIMs are verified. | 2014-09-04 |
20140250019 | DEVICE AVAILABILITY NOTIFICATION AND SCHEDULING - An availability notification for a device can be provided to a mobile device. The availability notification can be provided based on a configuration established by a subscriber of a mobile device as well as a characteristic of the mobile device. The subscriber can interact with an interface provided by the network provider to establish the configuration. Additionally, the subscriber can reserve the device via his or her mobile device. For example, a reservation interface may be provided to the subscriber via his or her mobile device that includes reservation options that can be selected by the subscriber to reserve the device. The reservation interface can further include the availability notification that indicates the device is currently available. | 2014-09-04 |
20140250020 | SYSTEM AND METHOD FOR FORMING A LEGAL ENTITY USING A MOBILE DEVICE - An automated system is provided for forming a legal entity. The system comprises a database for storing a plurality of record files comprising legal forms for filing with government registration entities. A questionnaire memory stores a plurality of query lists to ascertain relevant data for legal forms. A mobile device is operatively associated with the computer database and the questionnaire memory. The mobile device includes a programmed processor, program memory, an input device for entering commands, a display and a wireless transceiver for remote communications. The processor runs an application program stored in the program memory. The application program maps select ones of the plurality of query lists to select ones of the legal forms and operates a user interface using the display through which a user enters commands on the input device including a selection of one of the plurality of legal forms. Responsive thereto, the application program displays the mapped query list for the selected legal form. The user responds to the queries using input commands, whereby the application program generates a completed legal form for electronic signature by the user using the input device and subsequent automatic communication of the signed legal form to the legal registration entity using the transceiver. | 2014-09-04 |
20140250021 | SYSTEM AND METHODS FOR ISSUING A LICENSE PLATE AND REGISTRATION CARD FOR A VEHICLE - Systems and methods for issuing license plates and registrations for vehicles are provided. A method may provide for machine reading a license plate number and associating the license plate number with a set of data. The set of data my comprise identification information for a recently purchased vehicle, a name of a registered owner, a mailing and registration address for the registered owner, and a license plate identification sticker number. A set of documents related to the license plate, including a registration card, license plate identification sticker, and mailing label, may be printed. | 2014-09-04 |